Wilmington, DE

Credit Repair & Financial Services in Wilmington

Compare 6 credit repair companies, personal lenders, and financial services in Wilmington, Delaware. All independently reviewed with BBB ratings and pricing.

Delaware avg credit score: 709 Median income: $79,325 Poverty rate: 11.3% Payday loans: Legal Delaware overview →

Top Rated in Wilmington

6 companies
Cccs Of Delaware Valley, Dba Clarifi logo

Cccs Of Delaware Valley, Dba Clarifi

Non-profit financial empowerment organization providing free credit counseling, housing assistance, and benefits access to low- and moderate-income residents across Greater Philadelphia.

3.8/5
Contact BBB: NR

Best for: Low-to-moderate income households in Greater Philadelphia region seeking free financial counseling and debt guidance, Homeowners needing assistance with affordable home repairs and housing stability programs

Barclays Bank Delaware logo

Barclays Bank Delaware

Barclays Bank Delaware offers FDIC-insured online savings accounts, certificates of deposit, and tiered savings products with no minimum balance requirements or monthly maintenance fees.

3.5/5
Contact BBB:

Best for: Savers comfortable with digital banking seeking competitive deposit rates, Consumers looking to ladder CDs across different maturity dates

Td Bank, National Association logo

Td Bank, National Association

TD Bank is a major U.S. bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and local branch access.

3.5/5
Contact BBB:

Best for: Consumers seeking traditional full-service banking with both digital and in-person branch access, Customers wanting overdraft protection with no-fee options for small overages

Td Bank Usa, National Association logo

Td Bank Usa, National Association

TD Bank USA is a national bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and in-person branch access.

3.5/5
Contact BBB:

Best for: Consumers seeking traditional full-service banking with both digital and branch access, Customers who value 24/7 human customer service combined with mobile banking convenience

Wilmington Savings Fund Society, Fsb logo

Wilmington Savings Fund Society, Fsb

WSFS Bank is a regional bank offering personal and business banking, mortgages, credit cards, and wealth management services with local presence and national capabilities.

3.5/5
Contact BBB:

Best for: Homebuyers and refinancers seeking personalized mortgage guidance from dedicated experts, Small business owners in the Mid-Atlantic region wanting local relationship banking with regional expertise

Wilmington Trust, National Association logo

Wilmington Trust, National Association

Wilmington Trust is a National Association bank specializing in institutional client services, wealth management, and corporate trust solutions for high-net-worth individuals, families, and institutions.

3.5/5
Contact BBB:

Best for: High-net-worth individuals and families requiring sophisticated estate planning and trust administration, Institutional investors and corporations needing corporate trust and custody services

Banks & Credit Unions in Wilmington

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Barclays Bank Delaware logo

Barclays Bank Delaware

Barclays Bank Delaware offers FDIC-insured online savings accounts, certificates of deposit, and tiered savings products with no minimum balance requirements or monthly maintenance fees.

3.5/5
Contact BBB:

Best for: Savers comfortable with digital banking seeking competitive deposit rates, Consumers looking to ladder CDs across different maturity dates

Td Bank, National Association logo

Td Bank, National Association

TD Bank is a major U.S. bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and local branch access.

3.5/5
Contact BBB:

Best for: Consumers seeking traditional full-service banking with both digital and in-person branch access, Customers wanting overdraft protection with no-fee options for small overages

Td Bank Usa, National Association logo

Td Bank Usa, National Association

TD Bank USA is a national bank offering checking, savings, credit cards, personal loans, and home lending with 24/7 digital banking and in-person branch access.

3.5/5
Contact BBB:

Best for: Consumers seeking traditional full-service banking with both digital and branch access, Customers who value 24/7 human customer service combined with mobile banking convenience

Wilmington Savings Fund Society, Fsb logo

Wilmington Savings Fund Society, Fsb

WSFS Bank is a regional bank offering personal and business banking, mortgages, credit cards, and wealth management services with local presence and national capabilities.

3.5/5
Contact BBB:

Best for: Homebuyers and refinancers seeking personalized mortgage guidance from dedicated experts, Small business owners in the Mid-Atlantic region wanting local relationship banking with regional expertise

Wilmington Trust, National Association logo

Wilmington Trust, National Association

Wilmington Trust is a National Association bank specializing in institutional client services, wealth management, and corporate trust solutions for high-net-worth individuals, families, and institutions.

3.5/5
Contact BBB:

Best for: High-net-worth individuals and families requiring sophisticated estate planning and trust administration, Institutional investors and corporations needing corporate trust and custody services

Free Help in Wilmington

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Cccs Of Delaware Valley, Dba Clarifi logo

Cccs Of Delaware Valley, Dba Clarifi

Non-profit financial empowerment organization providing free credit counseling, housing assistance, and benefits access to low- and moderate-income residents across Greater Philadelphia.

3.8/5
Contact BBB: NR

Best for: Low-to-moderate income households in Greater Philadelphia region seeking free financial counseling and debt guidance, Homeowners needing assistance with affordable home repairs and housing stability programs

Your Rights in Delaware

Delaware Consumer Protections: Delaware permits payday lending with minimal rate restrictions, as licensed lenders are exempt from usury caps. Consumers should exercise caution as APRs can be extremely high. Complaints can be filed with the Office of the State Bank Commissioner or the Attorney General's Consumer Protection Unit.

Interest Rate Cap: Delaware usury cap: No usury cap for licensed lenders (5 Del. C. 2227); payday loans legal with no rate cap.

Key Regulations:
  • Delaware has no usury cap for licensed lenders, making it one of the most lender-friendly states.
  • Payday lenders must be licensed under the Delaware Licensed Lenders Act.
  • Short-term consumer loans have no APR cap, resulting in some of the highest rates in the nation.
  • The Consumer Fraud Act prohibits deceptive practices in lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Delaware Attorney General Consumer Protection Unit.

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